In a bear market and a bull market, the strategy should be opposite. The most testing time during a bear market—don't rush into financial management, as those small returns can't withstand the subsequent rebound. You should stay calm and, while prices are at the bottom, gradually accumulate low-cost chips. This is true risk management. When the bull market arrives and market enthusiasm surges, you can consider embracing various financial products to let idle funds generate returns. The key is to seize the right timing—accumulate during the bear market, appreciate during the bull market, and go with the flow—it's the best approach.